Privacy Policy - Link Finance

Introduction

Link Finance Limited (we, us, our) complies with the New Zealand Privacy Act 2020 (the Act) when dealing with personal information. Personal information is information about an identifiable individual (a natural person). This policy sets out how we will collect, use, disclose, and protect your personal information.

This policy does not limit or exclude any of your rights under the Act. If you wish to seek further information on the Act, you can contact our Privacy Officer at www.privacy.org.nz for further information.

Changes to this policy

We may change this policy by uploading a revised policy onto the website. The change will apply from the date that we upload the revised policy.

What is personal information?

Personal information is information about an identifiable individual. It includes (but is not limited to) name, address, contact details, date of birth, occupations, payment details, employment history and/or details, education and qualifications, financial information, testimonials and feedback, evidence of source of funds or source of wealth (in some cases) and other information.

Third party collection of information

Where we collect your personal information from someone other than you, we will take reasonable steps to notify you that we have collected your personal information, the purpose of the collection, the intended recipients of the information, the name and address of the agency collecting and holding the information, whether the collection is authorised or required by law and, if so, the law that authorises or requires the collection, and your right to access and request correction of that information, unless an exception applies under the Privacy Act 2020.

We will use your personal information:

to verify your identity
to provide services and products to you
to market our services and products to you, including contacting you electronically (e.g. by call, text, or email for this purpose)
to improve the services and products that we provide to you
to respond to communications from you, including a complaint
to protect and/or enforce our legal rights and interests, including defending any claim
for any other purpose authorised by you or the Act.

Disclosing your personal information

We may disclose your personal information to:

Other companies or individuals who assist us in providing services or who perform functions on our behalf (such as mailing houses, hosting and data storage providers, specialist consultants, and legal advisers);
Product providers (such as but not limited to lenders and insurance companies);
Financial advisers and financial advice providers who may use our services.
Other companies or individuals who perform checks (such as but not limited to compliance reviews and audits) that are necessary or desirable under the law on our behalf.
Other companies, agencies, or individuals that maintain databases against which your identity may be verified, which may include (but are not limited to) the New Zealand Department of Internal Affairs, and New Zealand Transport Agency.
Social media sites on which we may have a presence.
Courts, tribunals, and regulatory authorities (such as the Financial Markets Authority, and the Ministry of Justice in New Zealand);
Office of the Ombudsman, where a complaint relates to official information.
Any person or agency we believe could assist in responding to a serious privacy breach.
Office of the New Zealand Privacy Commissioner, where a complaint relates to breach of the Privacy Act 2020.
Human Rights Commission, where a complaint relates to discrimination.
CERT NZ, where appropriate to assist with the management of a voluntarily notified privacy breach
Overseas privacy regulator, where a complaint relates to the actions of an overseas agency; and
Anyone else to whom you authorise us to disclose it.

Except as described above, we will not disclose your personal information without your written or oral consent, unless we are required to do so by applicable law.

Protecting your personal information

We will take reasonable steps to keep your personal information safe from loss, unauthorised activity, or other misuse. Our software is subject to audits to ensure it is continuing to meet security requirements. All data handled in our software is encrypted in transit and during storage and can only be accessed over secure network connections.

Storing your personal information

We will only retain personal information as long as it is required for the purposes for which the information may lawfully be used. All data stored online is backed up and can be retrieved in the event of data loss or corruption.

Data will sometimes be held on-premises at 21 East Tamaki Road, Papatoetoe, Auckland if it is provided to us outside of our software.

Accessing and correcting your personal information

Subject to certain grounds for refusal set out in the Act, you have the right to access your readily retrievable personal information that we hold and to request a correction to your personal information. Before you exercise this right, we will need evidence to confirm that you are the individual to whom the personal information relates.

In respect of a request for correction, if we think the correction is reasonable and we are reasonably able to change the personal information, we will make the correction. If we do not make the correction, we will take reasonable steps to note the personal information that you requested the correction.

If you want to exercise either of the above rights, email us at info@linkfinance.co.nz. Your email should provide evidence of who you are and set out the details of your request (e.g. the personal information, or the correction, that you are requesting).

Data Breaches

Our Privacy Officer has processes and systems in place in the unfortunate event of a data breach. If such an event occurs, we will promptly identify, report and examine a personal data breach.

Internet use

While we take reasonable steps to maintain secure internet connections, if you provide us with personal information over the internet, the provision of that information is at your own risk.

If you follow a link on our website to another site, the owner of that site will have its own privacy policy relating to your personal information. We suggest you review that site’s privacy policy before you provide personal information.

We use cookies (an alphanumeric identifier that we transfer to your computer’s hard drive so that we can recognise your browser) to monitor your use of the website. You may disable cookies by changing the settings on your browser, although this may mean that you cannot use all of the features of the website.

We may use information about your use of our websites and other IT systems to prevent unauthorised access or attacks on our software. We may utilise services from one or more third-party suppliers to monitor the use of our systems. These third-party suppliers will have access to monitoring and logging information as well as information processed on our websites and other IT systems.

Security

As our website is linked to the internet, and the internet is inherently insecure, we cannot provide any assurance regarding the security of transmission of information you communicate to us online. We cannot guarantee that the information you supply will not be intercepted while transmitted over the Internet. Accordingly, any personal information or other information which you transmit to us online is transmitted at your own risk.

Links and third party advertisements

Our website may contain links to other websites operated by third parties. Our website may also display advertisements that third parties host. We make no representations or warranties in relation to the privacy practices of any third party website or advertisement providers, and we are not responsible for other privacy policies or the content of any third party website or advertisements. Third party websites are responsible for informing you about their privacy practices. Our online advertising network partner may use cookies, web beacons or other web tracking techniques to collect non personally identifiable information about your activities on the website and other websites that you may visit to provide you targeted advertising based upon your interests.

Are you required to provide personal information to us?

You are not required to provide any personal information to us. Still, if you choose not to, it might affect our ability to provide services to you and your ability to obtain finance, insurance and other Products from Product Providers. In most circumstances, it will be necessary for us to identify you to do business with you successfully. However, where it is lawful and practicable, we will offer you the opportunity to do business without providing us with personal information, for example, if you make general inquiries about interest rates or current promotional offers.

You may interact with our website anonymously, but we cannot contact you unless you provide your personal information.

Access and correction to your personal information

You may access and request correction of any personal information we hold about you at any time by contacting us. We may charge a fee for our reasonable costs of retrieving and supplying the information to you.

Further information

If you have any questions about our Privacy Policy or your personal information, please get in touch with us.

This Privacy Policy was last updated on 21/07/2023

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